CI Empire Life Concentric Guaranteed Investment Funds

A common core of combined strength and expertise

con-cen-tric: having a common core

CI Empire Life Concentric Guaranteed Investment Funds have a common core - the proven history and investment success of CI Global Asset Management and the 50+ years of segregated fund expertise of The Empire Life Insurance Company.

From this common core of excellence comes a suite of segregated funds that offers the benefits of traditional mutual funds as well as insurance guarantees and other benefits designed for investors seeking growth and security.

Key Benefits of Investing in Segregated Funds

  • Maturity and death benefit guarantees. With a maturity benefit guarantee of 75%, choose from death benefit guarantees of 75% or 100% of deposits. These ensure that upon death your beneficiary or estate will receive the greater of the current market value and 75%/100% of net deposits.

  • Death benefit guarantee reset. The death benefit guarantee will reset annually (until the annuitant’s 80th birthday) if the market value of the fund increases.

  • Choice. Diversified investment choices ranging from individual funds (ranging from fixed income to global equity) to managed solutions such as the CI Empire Life Concentric Portfolio Series.

  • Potential to bypass probate. The contract proceeds of segregated funds can be paid quickly and privately to a named beneficiary.

  • Potential creditor protection. Under certain circumstances, a personal segregated fund contract may be protected from creditors.

Contracts are issued by The Empire Life Insurance Company.

A Collaboration Between Leaders

CI Empire Life Concentric Guaranteed Investment Funds have a common core - the proven history and investment success of CI Global Asset Management and the 50+ years of segregated fund expertise of The Empire Life Insurance Company.

CI Investments logo
  • Founded in 1965
  • One of Canada’s largest investment fund companies with an increasingly comprehensive offering of Canadian, global and industry funds and growth guided by a strategy of seeking the best available portfolio managers
  • Over 35,000 advisors have chosen us as a partner and about 1.3 million Canadians trust us to help realize their financial goals
Empire Life logo
  • The Empire Life Insurance Company is a proud Canadian company in business since 1923
  • A pioneer in segregated funds, managing two of the oldest active segregated funds in Canada (1964, 1969)
  • Among the top 10 life insurance companies in Canada1 and is rated A (Excellent) in financial strength by A.M. Best Company2

1 Based on total assets as reported in December 31, 2019 OSFI filings.
2 As at June 24, 2020. For the latest rating, access www.ambest.com.

Experience and Expertise Matters

CI Global Asset Management (CI GAM) is one of Canada’s largest investment management companies with more than 100 investment professionals with extensive expertise navigating multiple markets. We offer a collection of the traditional and alternative strategies you want with the performance you need to achieve your unique goals. We are committed to investment excellence and focus on exceeding expectations every day. Our teams:

  • Are empowered to think independently and held accountable for the results they achieve
  • Collaborate and cooperate—sharing insight, expertise and research in order to bring the full scale and intellectual capital of CI GAM to benefit each and every client
  • Take an active approach to portfolio and risk management in order to deliver the best possible outcomes to each and every investor

Expanding Your Choice:
A Full Suite of Segregated Fund Options

Investors need choice more than ever before and CI Empire Life Concentric Guaranteed Investment Funds have got you covered.

Choose from seven managed solutions and 15 individual segregated fund options - all managed by leading portfolio managers and eligible for registered plans, non-registered accounts and Tax-Free Savings Accounts.

CI Empire Life Concentric Portfolio Series Guaranteed Investment Funds (GIF)

Concentric Return/Volatility Graph

Robust diversification and risk management

Managed solutions portfolios are pre-built investments with robust portfolio construction, asset allocation and rigorous oversight. Investors can benefit from multiple levels of diversification, sophisticated risk management and the agility to respond to market opportunities.

CI Empire Life Concentric Portfolio’s underlying funds have been carefully crafted to leverage the portfolio construction expertise of CI Multi-Asset Management, and asset allocation experts who monitor the portfolio managers and the portfolios to ensure they are adhering to their mandates and performing according to expectations.

  • Concentric Portfolio Series Income GIF Appeals to investors whose primary need is income and capital preservation.
  • Concentric Portfolio Series Conservative GIF Appeals to investors looking for capital preservation and income with some growth from the equity portion of the portfolio with lower-than-average volatility.
  • Concentric Portfolio Series Conservative Balanced GIF Appeals to investors whose primary objective is capital preservation with some growth with lower-than-average volatility.
  • Concentric Portfolio Series Balanced GIF Appeals to investors looking for a balance between income and long-term capital growth.
  • Concentric Portfolio Series Balanced Growth GIF Appeals to investors looking for long-term capital growth who are conscious of volatility.
  • Concentric Portfolio Series Growth GIF Appeals to investors looking for long-term capital growth and are comfortable with some short-term volatility.
  • Concentric Portfolio Series Maximum Growth GIF Appeals to investors looking for maximum expected returns in the long term who are comfortable with higher volatility in the short term.

Learn more about:
CI Empire Life Concentric Guaranteed Investment Funds

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Speak to a trusted advisor about how CI’s investment solutions can help you achieve your financial goals.

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IMPORTANT DISCLAIMER

A description of the key features of the individual variable insurance contract is contained in the Information Folder for the product being considered. Any amount that is allocated to a Segregated Fund is invested at the risk of the contract owner and may increase or decrease in value. Please read the information folder, contract and fund facts before investing. The information in this document is for general information purposes only and is not to be construed as providing legal, tax, financial or professional advice. The Empire Life Insurance Company assumes no responsibility for any reliance made on or misuse or omissions of the information contained in this document. Please seek professional advice before making any decision. ® Registered trademark of The Empire Life Insurance Company. CONCENTRIC is a trademark of The Empire Life Insurance Company. EMPIRE LIFE and the Empire Life logo are registered trademarks of The Empire Life Insurance Company, 259 King St. E., Kingston, Ontario. empire.ca (877) 548-1881

BLACK CREEK is a trademark of Black Creek Investment Management Inc. and used with permission.

CI Global Asset Management is a registered business name of CI Investments Inc.

©CI Investments Inc. 2020. All rights reserved.